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Opting for Private Insurance

By

Victoria E. Knight

Updated Nov. 21, 2007 12:01 a.m. ET

For years, if an employer offered health insurance to a worker, the worker generally took it.

Now some workers are for the first time entertaining another option: private health insurance. Some employees, particularly those at smaller companies, are finding it is cheaper to get spouses and children covered by private policies than under their...